Marketplace Enrollment Periods

How does the “permanent move” special enrollment work?

If you move to or within a state, you will be eligible for a special enrollment period only if you had previously been enrolled in other coverage. You must have been enrolled in minimum essential coverage (such as a job-based plan, Marketplace plan, or Medicaid) for at least 1 day in the 60 days preceding the date of the permanent move in order to qualify for the permanent move special enrollment period.

There are exceptions to this rule:

-If you previously lived in a state that did not expand Medicaid eligibility and were ineligible for Marketplace coverage in that state because your income was below the poverty level, and if you move to another state where you become newly eligible for premium tax credits, you will be eligible for the permanent move special enrollment period when you move to the new state.
-If you moved from outside of the United States or a U.S. territory, you are eligible regardless of prior coverage
-If you are newly released from incarceration, you are eligible regardless of prior coverage

Generally, the permanent move SEP lasts 60 days from the date of your move. Coverage will start on the first day of the following month; or, if you select your new plan after the 15th of the month, new coverage will start on the first day of the second following month. As a result, people who move to or within states may experience a break in coverage while they wait for their new plan to take effect. State-run Marketplaces have flexibility to expand special enrollment opportunities including allowing earlier coverage dates for consumers who attest to loss of minimum essential coverage in advance. Check with your State Marketplace for more information

While we have made every effort to provide accurate information in these FAQs, people should contact the health insurance Marketplace or Medicaid agency in their state for guidance on their specific circumstances.

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